Claim-Free Discount

How your business could lose its Claim-Free Discount

Businesses can lose the Claim-Free Discount in two ways:

  • If one of your employees is injured and misses more than 3 days of work or is awarded permanent disability benefits. These are called “compensable claims”.
  • If you purchase an existing business that has a history of compensable claims. That company’s experience will influence the new business’s rates until those claims are outside the 3-year experience period.

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